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Your Home Insurance
Find out what insurance fits you best.
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Your Home
if you have a home
You should have a Homeowners Policy which also covers:
The building itself, including any outdoor swimming pools and attached equipment. This also includes outdoor trees, shrubs and plants.
Detached garages, sheds, or outbuildings.
IF You Own A Condo:
You should have a Condo Insurance policy which also covers:
Any upgrades to your condo, things like counter tops or cabinets that you couldn't take with you if you left.
The condo corporation is responsible for insuring the building itself, but if their insurance is inadequate each condo unit owner can be asked to kick in. You have an allowance just in case.
The condo corporation could also ask you to pay a share of any repair costs for common areas which your insurance would cover
If You Rent:
There is no coverage for the building itself because your landlord insures that.
Good
Common Names:
Bronze or Named Perils
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Important Differences:
Fire, Lightening & Explosion, Smoke damage, Theft, Windstorm, Impact by vehicle, Vandalism & Falling objects
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Special Limits apply to Jewellery, sports equipment, and business equipment
Lower limits
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Cost
Least Expensive
Better
Common Names:
Silver or Broad Form
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Important Differences:
In addition:
Damage from spills such as paint, bleach or pets Lost luggage
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Special Limits apply to Jewellery, sports equipment, and business equipment
Mid level limits
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Cost
Silver or Broad Form
Best
Common Names:
Gold or Comprehensive
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Important Differences:
In addition:
Includes mysterious disapearance
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Special Limits apply to Jewellery, sports equipment, and business equipment
Highest limits
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Cost
Most expensive
Insurance will not cover you for:
Wear and Tear, Damage caused deliberately, Illegally aquired property, Riots or War Risks
OVERLAND WATER AND SEWER BACK UP:
Weather patterns are changing and we are experiencing more severe storms more frequently. Water causes a terrible mess and costs a lot to clean up. Buying up your water damage coverage is highly recommended
VALUABLES:
You can buy additional coverage for your precious jewellery or art
HOME WARRANTY
It covers the cost to repair or replace central heating and air conditioning systems, electrical systems, owned water heaters, and other appliances when they breakdown.